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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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CCA request,no cca on file! HSBC


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Hello,

I have an old HSBC debt which is now with a solicitors/collection agency.I have paid £90 pcm for many, many years on the debt and have reduced it from 12k to £2800.

I have scanned the letter I received from them today in regard to my cca request.I hope my scan is clear enough.

Any advice welcome....

 

 

 

PS credit card reclaims - claimed ALL charges and interest from mbna and natwest and upon my 2nd letter declining their paltry offers they gave in and both paid ALL the fees back with interest.

DG LETTER SCAN.jpg

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Sorry johannab, it's too small to read.

 

Could you upload using photobucket or similar please?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Oh, aren't you in luck - no agreement, no debt! :)

 

You can play it 2 x ways

 

1. Write & tell them you know this debt is unenforceable as they have no agreement & suggest (a) they wipe it off & remove any defaults from your file or you will take them to court to get it declared unenforceable plus claim all interest paid to date on the loan (which will cost you time & a little money for fees etc. but should be reclaimable against DG)

 

2. Put the account in dispute based on the above, do nothing & wait for them to take you to court or 6 years to expire. However they will def. default you, which if you have been making regular payments thus far, could affect your credit rating substantially in the next 6 years.

 

IMO, I would take (1) but you will have to do considerable research to press the case home if it goes to court.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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thanks for all your help. There is already a default on the account so at least they can't do that to me!

 

Is there a template of letters for my next steps anywhere? I am looking at the pack on the site for £17,I think that may be what i need.

 

I am worried about what they will do if i stop paying...as i have been paying without complaint for 8 years would a court not deem the debt valid?

 

Johanna

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For it to be valid, there has to be an enforceable CCA - it makes no difference if you have previously made payments.

 

There is a template library on CAG which contains all the letters you need for free - The Consumer Forums - Library

 

There is also this one: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Other CAGgers (including myself) also have all manner of template letters for different circumstances.

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Ermmmmm......the debt would still exist - it's just unenforceable in court.

 

I stand corrected, slip of the fingers.

 

However I did go on in that post to explain how to ensure the debt remains unenforceable & therefore only has to be paid if the OP so wishes.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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